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STATE BANK AND TRUST COMPANY 147 S. RAILROAD AVENUE
BROOKHAVEN, 39601

2008 Mortgage Research	Amite	Mississippi	US
Total Applications	16	1,093	1,672
Average Loan	$76.3k	$82.3k	$108.5k
Loan to Income Ratio	0.66	0.73	0.88
Subprime Loans	56.25%	24.61%	22.49%
Refinancing Loans	50%	46.57%	43.96%
Principal Dwellings	81.25%	78.13%	76.26%
Rejected Applications	—	—	—

STATE BANK AND TRUST COMPANY 147 S. RAILROAD AVENUEBROOKHAVEN, 39601